Ping An Credit Card is exempt from the annual fee in the first year, in which the main card is exempt from the annual fee in the following year after swiping the card six times in the current year, and the supplementary card is exempt from the annual fee for life. (Applicable to all credit cards except owner's card, insurance card, gold card, platinum card (Platinum Supreme, Platinum Tianji Card, Ping An Platinum Card) and Ping An Golden Butler Co-branded Card)

The annual fee of the owner's card is 200 yuan/year, which cannot be reduced after activation; Not activated, no annual fee. When the consumption in the current year reaches RMB 30,000 yuan or equivalent US dollars, the annual fee for the following year is exempted.

There are many advantages to charging an annual fee for credit cards:

1. If you don't charge the annual fee, you will waste your credit card.

How to understand this sentence? If there is no annual fee, as a cardholder, you may apply for more credit cards. In actual use, cardholders often use 1~2 cards, and the rest will be shelved. You know that the bank management department in our country gives banks a certain credit line every year, so the credit line of each credit card ranges from several thousand yuan to tens of thousands of yuan. When cardholders don't use those credit cards, they will be idle and unable to help the people who should hold them.

With the annual fee constraint, the cardholder will be prompted to use it. Brush the main card of Ping An Credit Card 6 times a year, and it is easy to avoid the annual fee.

2. Help cardholders manage themselves better and form the habit of using quality cards;

When you handle a lot of credit cards, if you don't manage them well, you will charge an annual fee less. Developing excessive consumption is the beginning of bad habits. There have even been cases of robbing Peter to pay Paul, and finally being sued by the bank for not being able to pay back the money and facing criminal punishment. Therefore, the annual fee will make cardholders consider whether it is necessary to have too many credit cards when handling new cards.

Suppose you have one or two credit cards, as long as you use them normally in your life, the annual fee policy of credit cards will certainly not interfere with you. A person's daily expenses, six times a year, are really insignificant.

3. One more thing, any credit card that charges a high annual fee will definitely provide special services. This annual fee is the initial fee. If you pay the annual fee, you will definitely enjoy these services, otherwise you will waste the services.

For example, to apply for a Zhang Pingan car owner card, the annual fee is 200 yuan/year. This card provides: safety guarantee, vehicle accident insurance, road rescue within 30 kilometers, etc. Among them, road rescue includes free power-on start-up, free fuel delivery, water service, free oil delivery service introduction and free replacement of spare tires; Every year, we provide similar refueling discounts and some business activities for car owners' cards from time to time. The annual fee is inevitable in the first year, so as to better serve cardholders. Cardholders who spend over 30,000 yuan in the current year can be exempted from the annual fee for the following year.